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T.J. Maxx Credit Card a.k.a TJX Rewards® Platinum MasterCard® - Complete Review

Anya Kartashova
Updated on: 02/02/2018
RE®: 73
Our Rating
TJX Rewards® Platinum MasterCard®
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For excellent/good credit

"Get 10 percent off your first purchase and 5 percent back all future purchases at T.J. Maxx."

Besides the travel rewards cards and cashback cards issued by popular banks, many stores also have their own credit cards and rewards programs. Although you don’t have to apply for a branded credit card to participate in many of these rewards programs, they can frequently maximize your return and offer extra perks.

The TJX Rewards program has a credit card for Maxxinistas who frequently shop at T.J. Maxx, Marshalls, HomeGoods and Sierra Trading Post. Issued by Synchrony Bank, the TJX Rewards card offers members five points for every dollar spent at the T.J. Maxx family of stores and one point per dollar anywhere MasterCard is accepted.

All rewards earned with this card can be redeemed as certificates that can be used to purchase merchandise at any of the affiliated stores. Additionally, customers receive a 10 percent discount on their first in-store or online purchase.

The no-fee TJX Rewards card targets consumers of the T.J. Maxx family of stores, and therefore it might not be the best option for everybody. Having special store perks is nice, but rewards are limited to the above-mentioned retailers. Let’s dive a little deeper into the TJX Rewards credit card and its benefits.

Features and Benefits of T.J. Maxx Card

As a welcome bonus, new cardholders receive 10 percent off their first purchase at T.J. Maxx, Marshalls, HomeGoods or Sierra Trading Post. The discount is not capped and applies to any first purchase, no matter how big or small. If you apply for the card at a store, the offer will apply to that specific purchase automatically. If you apply for the card online, you can redeem the discount online only.

Every 1,000 points you earn with the TJX Rewards credit card earns a $10 certificate that can be redeemed toward a purchase at any of the T.J. Maxx affiliated stores. It can be used in-store or online.

Additionally, TJX Rewards cardholders automatically enroll in the TJX Rewards Access program that includes free giveaways, exclusive sweepstakes, invitations to shop first at T.J. Maxx stores, free shipping opportunities, private parties and more.

The credit card costs absolutely nothing and earns ongoing rewards. The more you frequent the four sister stores, the more money back you earn. There’s no limit to how many points you can earn every month.

What You Get

  • 10% off your first purchase at T.J. Maxx, Marshalls, HomeGoods or Sierra Trading Post
  • 5 points per dollar spent at the T.J. Maxx family of stores
  • $10 certificate for every 1,000 points earned
  • Exclusive discounts, sales and other offers
  • No annual fee

Points earned with the TJX Rewards credit card can be redeemed toward a purchase at one of the partcipating stores. For every 1,000 points you earn, you will receive a $10 certificate that you can apply toward a purchase. It’s that simple. Points earned in the TJX Rewards Access program do not expire. The certificates, on the other hand, expire after two years.

In-Store Financing

The TJX Rewards credit card does not offer any special financing to card members. In fact, the Annual Percentage Rate is one of the highest at 27.99 percent, and there’s no introductory APR offer. The high APR is a major downside of this rewards card. To avoid paying interest and losing out on rewards, I recommend paying off your balance every time a statement closes.

Customer Perks

You do not have to hold the TJX Rewards credit card to join the four stores’ rewards program, but it helps to maximize your earning potential. Having the card makes the program more rewarding. Remember that the card can be used anywhere a MasterCard is accepted and not just at the affiliated stores, so you can earn more rewards faster.

How Much Will You Earn with T.J. Maxx Credit Card?

The TJX Rewards card earns five points for each dollar spent online or in-store at any of the four sister stores: T.J. Maxx, HomeGoods, Sierra Trading Post and Marshalls. The card earns one point per dollar for all other purchases and can be used anywhere MasterCard is accepted.

For example, spending $200 at the T.J. Maxx affiliated stores equals to 1,000 points. Every 1,000 points earned turns into $10 in rewards, which is essentially a 5 percent discount on T.J. Maxx purchases.

Your Monthly Charges
Rewards You Will Earn Annually
24,000points$240in dollar value
T.J. Maxx purchases
HomeGoods purchases
Marshalls purchases
Sierra Trading Post purchases
All Other Purchases

What is the Value of T.J. Maxx Credit Card Rewards Points

Your redemption options are limited to the four stores that participate in the rewards program. Every point you redeem is worth one cent toward merchandise. Every 1,000 points you earn by spending on the card earns a $10 certificate redeemable at, or at any T.J. Maxx, Sierra Trading Post, Marshalls or HomeGoods location. TJX Rewards certificates cannot be redeemed for cash. The certificates can be used in conjunction with gift cards, promo codes and other credit cards at checkout.

Earned Points
1,000 points
$10 certificate
Average CPP
Dollar Value

What is CPP and How is it Calculated?

Cents Per Point (CPP) is a way to measure the value of points. It tells you how many cents you get for each point you redeem by dividing the cash price of the hotel room by the number of points of an equivalent award stay costs. This can be a somewhat subjective calculation because the price of the stay in both cash and points fluctuates by season and availability.

We use the following formula to calculate the CPP:

The final result:

Should You Get the T.J. Maxx Credit Card?

The TJX Rewards card might be a decent option for some shoppers out there. Earning five points for every dollar spent at the affiliated stores is a legit earning rate, and being able to earn one point per dollar spent everywhere else doesn’t hurt, either.

Receiving a 10 percent discount on the first purchase is also nice, but it has to be a big purchase to justify applying for a card. And remember to pay it off after a statement closes and before interest hits. Additionally, the program is limited to just the four sister stores, and your points cannot be used anywhere else.

On the bright side, store cards like the TJX Rewards card are much easier to qualify for if your credit score isn’t great. It might not be a bad idea to apply for one of these store cards to help you boost your credit score and build some history while paying no annual fees.

Having said that, if you have a decent credit score and prefer cash back that can be used at places that are not T.J. Maxx, Marshalls, HomeGoods or Sierra Trading Post, I recommend looking into no-fee cash rewards credit cards. There are plenty of rewarding options out there.

Most cashback rewards have no limits, caps or categories for redemptions. Generally, cash back applies to any statement in any amount. For example, the Citi Double Cash card earns double cash back on every purchase, and the Chase Freedom Unlimited card earns 1.5 percent back for every dollar spent anywhere. It even offers a sign-up bonus to new cardholders.

In the grand scheme of things, the TJX Rewards credit card will not benefit all consumers equally. If you do not shop at the four abovementioned stores frequently, this credit card will not be beneficial to you. Combine that with limited rewards and high APR, and you might want to consider some alternatives, such as travel rewards cards and cashback cards.


Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.

  • Can I use the TJX Rewards credit card at any store?

    Yes, the Platinum version of this card is a MasterCard and can be used at all retailers that accept MasterCard. Keep in mind that all purchases made outside of the four participating stores earn just one point per dollar spent.
    As a reminder, the store version of the card cannot be used anywhere but at the affiliated stores. Depending on what other rewards cards you carry in your wallet, you might want to go with those options to earn flexible bank points, airline miles or cash back.
  • Can TJX Rewards Access deactivate my membership?

    Yes, it is possible for your program membership to be deactivated. Make sure to use your Access card at least once every 12 months at one participating store to be eligible for some benefits and to keep your membership in the program alive. To qualify for all benefits, make sure to use your membership card at least three times at three separate stores or on three separate days in a 12-month period.
  • Do points earned with the TJX Rewards card expire?

    You do not have to worry about your points suddenly vanishing into thin air. TJX Rewards points do not expire for the life of the program. However, rewards certificates expire after two years, so make sure to use them within that time.
  • How do I link my existing TJX Rewards Access account with the TJX Rewards credit card?

    If you have a TJX Rewards Access account, you can easily register the TJX Rewards credit card by providing your email address on the Join Now page. You do not need to create a new rewards account.
  • Can you tell me more about TJX Rewards Access events?

    Members who have made at least three purchases in a 12-month period will receive invitations to TJX Rewards Access events, which consist of early shopping access. Participating store locations vary within specific time frames at TJX’s discretion. Members are allowed to bring a guest to an event, but he or she will need to complete a Release of Liability and have their own TJX Rewards Access card or TJX Rewards credit card.
  • What credit score do I need to qualify for the TJX Rewards credit card?

    Maxxinistas who would like to apply for this rewards card must have a good credit score to be approved. If your score is at least 650, you’ve got a good chance of approval. If your credit score is lower, your results will vary. You might still be approved, but I recommend looking for ways to solidify your credit history first.
    Depending on your credit health, you might be approved for either the Platinum version of this card or the regular store version. To find out where you stand with the credit bureaus, check with one of the free services, such as Credit Karma or Credit Sesame. It’s always good to know your credit score before applying for an additional credit line.
  • Does the TJX Rewards card charge foreign transaction fees?

    Depending on the card issuer and the card network, foreign transaction (FX) fees vary between 1 and 3 percent per transaction. Unfortunately, the TJX Rewards Platinum MasterCard charges an additional 3 percent on all purchases made outside of the United States, which can add up to quite a bit if you prefer using credit cards to spending cash when traveling overseas. I recommend using cards that waive foreign transaction fees when paying for goods abroad.
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Compare Cards

There are two versions of this credit card: TJX Rewards Platinum MasterCard and TJX Rewards credit card. Let’s take a look at which offers what perks.

TJX Rewards® Platinum MasterCard®
For Excellent/Good Credit
Check which SYNCB card is the right fit for you
Apply for this card

Compare Cards in the Same Lineup

Sign-up bonus0 points0 points
Annual Fee



APR On Purchases27.99% Variable±27.99% Variable±
Foreign Fee0%0%
Bonus Value$0$0
Second Year Value$1,200$240

There aren’t many differences between these two cards. The TJX Rewards Platinum MasterCard and the TJX Rewards credit card offer the same discount of 10 percent off your first purchase and neither has an annual fee.

The main difference is in how they earn rewards. Because the former version is a MasterCard, it can be used anywhere that accepts MasterCard. The regular store card can only be used at the four sister stores.

Which card you receive will largely depend on your credit score and overall credit history, including outstanding balances and your payment history. For example, you’ll probably need at least a good credit score to qualify for the Platinum version of the TJX Rewards card. If your score is lower than 650, you’ll probably get the regular store card instead. If you get that card, you should use it to start building credit while earning rewards and working toward being approved for better cards down the line.

Some Alternative Cards for T.J. Maxx Shoppers

Although store cards are easier to qualify for in terms of credit history, cashback cards offer a lot more value in return in most cases. The TJX Rewards card earns limited rewards that can be redeemed at T.J. Maxx-branded stores only. Let’s take a look at a few cashback cards whose rewards are more flexible.

10%off your first purchase
TJX Rewards® Platinum MasterCard®

Check if TJX Rewards® Platinum MasterCard® is the best option for you

Best Cashback Card

The Citi Double cash card is one of the most rewarding no-fee cashback cards out there. It earns 2.0 percent back in any category of purchase. You earn 1 percent back when you make a purchase and another 1 percent when you pay off the balance. Rewards are unlimited, and the card costs nothing to keep.

The best part is that there are no category restrictions. Every single purchase can earn 2 percent cash back. Rewards can be applied toward any statement in any amount. Travel? Clothing? Groceries? Whatever you buy, you can use the cash back you earn to cover the cost. When it comes to cashback credit cards, Citi Double Cash is one of the best options on the market right now.

Best Rotating Category Card

The Discover it card earns 5.0 percent cash back in popular quarterly rotating categories, such as grocery stores, drug stores, restaurants, gas stations and movie theaters. Although the bonus cash back is capped at $1,500 every quarter, there’s no limit to how much you can earn after the cap is reached.

At the end of the first year, Discover will match all the cash back you’ve earned and double it. All you have to do is sit back, relax and reap the rewards. The card doesn’t charge annual fees, and the rewards can be redeemed toward any purchase.

Get the Biggest Bonus

Earn a 15,000 points bonus with the Chase Freedom after spending $500 in the first three months of card membership. Get 5 points per dollar spent on select rotating bonus categories. The points you earn with this card will never expire as long as your account is open. There’s also no limit on the amount of points you can earn, though the 5 percent bonus for select categories is only good for $1,500 worth of purchases per quarter. After reaching that cap, you’ll earn the standard 1 percent back.

This card also comes with 0% APR for 15 months on both new purchases and balance transfers. That makes this card a good choice if you’re thinking about making a big purchase that you’d want to pay off over time.

Get the Biggest Bonus with a Lower Spending Requirement

You can earn a $150 cash bonus with the Quicksilver from Capital One card after spending just $500 within three months of account opening. The card earns 1.5 percent cash back on every purchase with no limits or spending categories. You don’t have to keep track of your bonus categories or worry about caps on your rewards.

Cash rewards do not expire for the life of the account, and rewards can be redeemed in any amount. This cashback card charges no fees and offers a nice welcome bonus to first-time cardholders.

Card Overview

Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.

Card Details
Good credit score
From 700 to 749
Synchrony BankSynchrony Bank
Rewards Currency

Card Terms and Conditions

While it's easy to focus on the benefits of the TJX Rewards card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with this MasterCard.


Intro APR:
See Terms and Conditions
Intro APR for balance transfers:
See Terms and Conditions
Ongoing APR:
27.99% Variable±
Minimum Grace Period:
23 days
Extended Warranty Protection:
The benefit doubles the terms of the manufacturer's warranty by up to one year.
Price Protection:
Purchase an eligible item with your TJX Rewards credit card and receive a reimbursement if you find the same item for less.

Cash Advance Features

Ongoing APR:
29.99% Variable±
Cash Advance Fee:
Either $10 or 4% of the amount of each cash advance, whichever is greater

Security and Protections

Synchrony bank and the TJX Rewards card offer zero liability on charges made without proper authorization as well as identity theft resolution. You can manage your TJX Rewards card account online, set up account alerts and review activity, as well as check your balance and pay off your bill on the go. The store version of the card comes with a magnetic strip, and the Platinum version comes with an EMV chip for extra security.

Zero Liability:
You’ll never be liable for unauthorized charges made to your account.
Theft Resolution:
If your card goes missing, Synchrony will help you cancel the card, check for fraudulent charges and issue you a new card.
Account Alerts:
Set up alerts to be notified when large transactions occur, if there’s an unauthorized withdrawal and when your bill’s due.
Banking On the Go:
Track your account with the mobile app or online.
EMV Chip Technology:
Get global acceptance and enhanced security at merchants that use chip-enabled terminals.